888.336.2700 Appointment Locations

Personal Loans

For life's expected and unexpected expenses.

    Home / Personal / Loans / Personal Loans

Select the personal loan that's best for you.

1. Personal Loan

A simple loan solution to give you the cash you need with no collateral required to secure the loan, and a fixed monthly payment over a set period of time.

Features and benefits:

  • Instant loan decisions
  • No pre-payment penalties
  • No application fee
  • Borrow from $1,000 up to $10,000 based on credit worthiness
  • Requires no collateral to secure the loan
  • Flexible loan terms up to 60 months; funds disbursed at closing
  • Fixed monthly payments
  • Earn Cash Back for bringing your loan to us
Apply now for a Personal Loan

2. Personal Line of Credit (PLOC)

We’re one of the few financial institutions that still offer an unsecured line of credit. This variable rate loan offers flexibility and access to funds whenever you need them. No collateral is needed to secure the loan and you control the money–use it only when, and if, you need it.

Features and benefits:

  • Instant loan decisions
  • No pre-payment penalties
  • No application fee
  • Borrow up to $5,000 based on credit worthiness
  • Requires no collateral to secure the loan
  • Low minimum monthly payment of $30 or 3 percent of the loan balance–whichever is greater
  • PLOC can be used for overdraft protection for your DFCU checking accounts
  • Easy access to your funds by ATM, online, checks or in branch
  • Earn Cash Back for bringing your loan to us

NOTE: $25 Annual Fee

Apply now for a Personal Line of Credit

3. Share Loan

This unique loan option uses your savings as collateral. Using a dollar-for-dollar match of your DFCU Savings Account or Certificate balances to secure the loan, we offer a minimum of $2,000 up to a maximum of $50,000 for up to a 60 month term.

Apply now for a Share Loan

Printer FriendlyPersonal Loan

Fixed APR6 Variable APR Max Fixed Terms Minimum Amount Maximum Amount
As low as 15.24% N/A 60 Months $1,000 $10,000

Rates effective as of 4/21/2025

Printer FriendlyPersonal Lines of Credit

Variable APR5
17.00%

Rates effective as of 4/21/2025

Printer FriendlyShare Loan

Fixed APR7 Variable APR Max Fixed Terms Minimum Amount Maximum Amount
6.00% N/A 60 Months $2,000 $50,000

Rates effective as of 4/21/2025

5Variable Rates: The Annual Percentage Rate (APR) is determined by the sum of the Prime Rate as listed in the Money Rates table of the Wall Street Journal (index) plus a margin of at least 0.75% on Home Equity Lines of Credit and 10.00% on Personal Lines of Credit, and is subject to change the first day of each month. Any change in the APR will take the form of additional payments of the same amount. The maximum APR that can apply is 18.00% or the maximum permitted by law, whichever is less. Late Fee: if your payment is more than 15 days late you will be charged a $20 late fee. Home Equity Line of Credit Annual Fee: $50; Personal Line of Credit Annual Fee: $25. We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.

6Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Late Charges: if your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.

7Share Loans use a dollar-for-dollar match from your DFCU Savings Account or DFCU Certificate balances to secure the loan. Secured funds will be released upon loan pay off. APR = Annual Percentage Rate.